How to write a financial planner's work plan

Lin: Good afternoon, friends. I have worked in this field for 30 years, and I have also worked in financial services for 30 years. During these 30 years, I have made a lot of plans and made plans for many people. I do this for our customers, our employees and my boss. So to a certain extent, I think this planning skill is useful to all fields of society, so everyone is lucky, because your occupation is an industry suitable for all fields of life. When I am planning, my boss or client, I find that their favorite thing to do is when they are happiest, so when you plan your career, the first thing to consider is not how much salary this job can bring you, or whether you can stay, but whether it is what you want to do most. If you are willing to do your work, you will succeed.

I like my job very much, and I want to share it with you. Later, I will share my personal experience with you. Let's see how I planned it and why I did it. First of all, in terms of financial services, I don't want to get entangled in too many details with you. You help people make plans every day and make lifelong plans, not once, because your plan is your lifelong plan and needs to be reviewed and updated every year. In other words, we are helping customers plan their lives and achieve their goals. Unless you know his life goals, you can't help them plan, because all financial goals. When planning, we can look at such forms, such as retirement planning, asset planning, investment planning, insurance planning and so on. I hope you don't use it as a tool from another angle. If you know all the knowledge, skills and plans, you will begin to feel that you like some or all of them, but not all of them. In other words, you prefer to invest. I am happy because I like it. This is the first step. You should master these self-confidence and skills, and then you should find out what you really like, what you want to improve and do better. Through this process, you enter the stage of career planning.

You will find that you have some trends, or some strengths, and you can do better. You can build your own business on this basis, and then you will get involved in many things. I remember when I communicated with the world's top financial planners, who was our best customer? Is it the richest? Is your best client. What kind of customers are you willing to give you the most service? So what kind of customer is this? Do you know what their answer is? Who is the best customer? Then I am my best client. There is a simple reason. If I can't provide the best service for myself, I can't take care of my own employees, I don't make my own plans, I can provide the best service for myself according to my lifelong needs and my wishes. How can I provide this best service for my customers? You can't even take care of yourself. Do your own thing. How can we do well for others? So I am the best customer myself. So I want to look at my plan, my own career, my own life goals, my family, my ambitions, and then I will make a plan. I think you can always share this story with your customers, because many customers don't want you to know too much when they start sharing it with you. Some things are very confidential, so you can share your own plan with them, and how you planned it yourself. Sometimes by looking at your plan, they will feel that it is also of reference value to me, and so will I, and then they will open their hearts to you and let us know what this financial planning means. When you provide financial services, you can start from yourself, and you are also preparing for yourself. As you heard this morning, China's financial services industry is booming. We do have many products and services to offer, but the wealth of China people is still growing, and there are many opportunities in many occupations and undertakings. There are unlimited opportunities in the financial industry. We are financial planners. You can do more in the financial services industry. You can manage the marketing channel or the financial service management team. The most important thing is to say. You will indirectly see how you communicate well with customers, which marketers need to know, but you can do it as long as you use your brains. The next area is financial services products. Every day, we will see the appearance of new financial services products, and the old products glow with new vitality. Now we will return to less risky products, such as traditional insurance, instead of approaching more risky products. You should communicate with your customers. Our financial planner needs the skills and knowledge of the financial planner when doing this, whether it is investment or investment, so everyone has his own license and license. What you must comply with and how to fully comply with all the requirements of compliance and supervision.

When you are recruiting, the skills and knowledge of financial planners can be applied in many fields. Human resource management is also possible, because if my employees have done human resources before, then my life will be much simpler and my work will be much simpler. So, from this perspective, I want to think broadly. Financial planner is a very interesting job, but the knowledge and ability you have learned from it can be applied to many other fields. In all these occupations, I will share different occupations and different jobs with you. Just now, you heard Mr. Liu say that you can be your own boss, and financial planners can start their own companies and then charge. Similarly, you can find a job in the insurance industry, sell insurance and gradually become the CEO of a department or even a company. So this career ladder is for everyone to choose. At the same time, you also have your personal bank or corporate finance. Because you have professional skills in this field, you can become a relationship manager. Everyone must be very good at this job. Your skills can also become a branch manager. Then you can even be responsible for personal financial services and the manager of the finance department. This is ok, so as a financial planner, you can have these opportunities.

Similarly, in the investment industry, there are many people who are very willing to promote the products and services they invest in, or plan their own investments, which is also a ladder for everyone to achieve their life goals. Just now we talked about personal finance and private banking. You heard about it this morning. We also see many people who not only work in the front line, but also do auxiliary work in the back end, including custody, trust and wealth management, which can help customers better plan their assets. Don't forget, there are other strategic plans For example, laws and regulations, marketing, human resources and many other aspects, I can share this opportunity with you, because I believe it can be related to your future work. I have received training in human resource management and public relations. Of course, I was the first to sell life insurance products. I may have never done this in my life, but I did. I also want to share with you some of my experiences in this field. My personal life story, as you can see, I listed some industries in this chart where I worked. When I was engaged in the financial management industry, I also worked in other units and other fields. In fact, the trade association is a very good place to exercise and learn from many people. There was no CFP in Hong Kong at that time, so I had to do other things. Thirty years have passed, and I will do something new in a few years. If I don't study often, there may be many ways to update myself in time. So there is such a specialized course, which makes me familiar with new things gradually and keeps me familiar with new things. I don't know if it's suitable for everyone's situation. That's how I got here. In my 30 years of work, I have also witnessed the development of wealth management. Wealth management began in America. After World War II, soldiers went home and gave birth to many children. At that time, people will save a lot of money for the future. This is the case in China, where we are saving more and more. We can see these stories repeated all over the world.

Why should I enter this industry? After graduating from college, my career counselor told me, what exactly are you going to do? At that time, I said that I had no idea, because I was also the only child in my family. I used to be an only child, so I was lonely. I hope there will be many people. He also said that if you want to communicate with people, you should learn to do a lot of sports or other school activities in college, and you will know how to communicate with people, not that you can communicate with people after you finish your studies. So I found a job in government human resources after graduation, and the salary was not very high. I chose this job mainly because I want to exercise my ability to communicate with different people and more people. Because I am very active and communicate well with different people. Someone told me that you take out life insurance, and then I took out life insurance. I am in charge of a department now, and we are still trying to sell our services, either in Korea or in other countries and regions, or by different people. In fact, the basic core skills are the same. You should communicate effectively with customers to meet their needs, otherwise your financial planning is worthless to others. This has given me a very good foundation and laid a foundation for my future career. If everyone has this experience, of course, it is better to be 30 years ago, so that everyone can understand what customers really need. What do they need? Then you tell them that everything you can offer them, whether products or services, can solve their problems. You have to ask a lot of questions, how much their salary can be, and how their family expenses are. In fact, it is very close to financial management. I found that I didn't know enough, so I read several certificates.

What do you think is the use of reading so many books through continuous study? I am very happy. I also gradually inspired others to do this, so as the head of the marketing department, from a certain point of view, if you plan yourself better, you will have a chance. Of course, there is also a premise that you like to do it. What I'm going to say next is completely different from what I just said. I am going to borrow a department from scratch. We have life insurance and general insurance, so I plan to set up a department from scratch. This is a big challenge. Why should I meet such a challenge? Because I have many qualifications, one of which is life insurance. I have this qualification, so I have the courage to meet this challenge and then set up a department from scratch to do it. In this position, I have done bank insurance. 1986, many banks are our partners, and we have done some insurance for them, which is just the beginning. Of course, at first they didn't know what insurance was, but past work experience was very helpful to our present work, so I took a completely different position. Everyone knows that Merrill Lynch is a brokerage firm. I joined Merrill Lynch, but I'm not an economist. I am an insurance expert in their area. I asked my boss that it was hard for me to understand why Merrill Lynch had to take out insurance. The boss told me that we have many customers, many of whom are very rich investors. They should have insurance, and we like insurance, because insurance is to use financial tools to understand some details of customers. When you get the detailed information of customers, you can better help them sell products and serve them, and you can also learn more about them.

It's a big challenge for me. I want to be some customers in different places. I used to be a local customer. Another challenge, I want to know about local taxes, I want to know about local laws and regulations, because I want to know about all kinds of related asset taxes, as well as some asset planning, etc. So many objective conditions force me to keep learning and learn more new knowledge. Many people ask me, because I study American tax law, and many people ask me why I study American tax law. In fact, I think these American tax laws are necessary, so I studied them, otherwise I wouldn't understand them. Later, I left Merrill Lynch. Actually, I don't want to leave. Another boss asked me, are you interested in HSBC? I am really interested, because I am a bank, and I want to be a bank again, so I went to HSBC and asked my boss what I do. He said, take your experience, look at our insurance department and see what you want to do. Good, isn't it? Then I set up my own post. Fortunately, I have the skills to do these jobs. These skills are accumulated step by step, just like everyone taking various courses and CFP courses and training. So I later entered the bank's insurance system. Then I went back to the bank. I have worked in a bank for more than ten years, and it is a different company. Banks and insurance companies are completely different. I entered a bank. What should I do? Still in terms of sales, banks hope to have more culture. I can help them build a sales culture. I helped them set up a team of 700 financial planners. I'm sure many of you here can do the same if you want in the future. Now I have worked outside the Asia-Pacific for several years, and I have worked in Hong Kong all my life. I think Chinese mainland has great market potential now, so I come to China now, so my next study goal is to learn Mandarin. I hope I can communicate with you in fluent Mandarin next time. In conclusion, what do you like best? This is the most important question. If you choose the wrong one, you will be in big trouble in the future. Next, look at your strengths and weaknesses, and then make a long-term plan. After you make a plan, you will know what books to read and what classes to take, and then you will strengthen your ability and skills. Then, build your network. Some people feel very tired after work, but you still need to build your social network and network in the industry, and then do some volunteer work, so that you can know more about life and the meaning of life. Finally, make a good plan for yourself and prepare for the next life journey.